Danain Kenapa? Dana anda Aman?

Danain adalah p2p lending yang saya nobatkan sebagai paling aman di Indonesia. Jadi kenapa tiba-tiba Danain membuat keputusan yang menghebohkan? Mereka sempat mengundang saya untuk mendengarkan webinar mereka untuk menjelaskan hal ini, dan disana juga ada tokoh finansial seperti Pak Melvin Mumpuni dari Finansialku.

Apabila anda pengguna Danain, harusnya anda juga sudah menerima email resmi dari Danain yang menginformasikan tentang hal-hal penting tersebut, tapi saya akan bantu sampaikan ulang dibawah ini:

Melihat Email Danain

Menindaklanjuti pertemuan dan arahan dari Otoritas Jasa Keuangan (OJK) selaku regulator dengan Danain, telah disepakati bahwa model bisnis Danain perlu dilakukan penyempurnaan. Jika selama ini Danain menggabungkan antara bisnis offline (gadai) dan bisnis online (fintech), maka ke depan, Danain akan benar-benar menjadi platform P2P Lending yang mempertemukan Pendana dan Peminjam secara langsung pada platformnya. Danain tidak lagi menggunakan model bisnis penerusan pendanaan dengan dasar surat bukti gadai yang ditanda tangani peminjam, namun tetap bekerjasama dengan perusahaan gadai sebagai mitra, di mana mitra tersebut hanya melakukan penaksiran dan penyimpanan barang jaminan yang memang merupakan lingkup usaha pergadaian sebagaimana diatur dalam POJK 31/POJK.05/ 2016 tentang usaha pergadaian.

Terkait keputusan tersebut, Danain telah menyosialisasikannya kepada sejumlah Pendana yang selama ini aktif di dalam grup Telegram melalui acara “Danain Exclusive Lender Discussion” yang diadakan pada Sabtu (12/6) malam. Adapun sejumlah kesimpulan yang didapat dari pertemuan tersebut, antara lain:

  • 1. Sesuai arahan & Instruksi dari OJK, Danain akan menghentikan sementara penyaluran pendanaan dari mitra pergadaian pada 18 Juni 2021. List Pendanaan masih tetap tersedia hingga tanggal 17 Juni 2021.
  • 2. Danain memerlukan waktu sekitar 3 bulan untuk mengembangkan sistem dan merilis produk baru yang lebih inovatif, menguntungkan, dan tetap beragunan.
  • 3. Semua Saldo Program (Danain Platinum, Danain Super, Danain Emas Dapat Emas) tidak lagi dikunci untuk dilakukan Pendanaan Otomatis selama periode yang disebutkan sebelumnya, namun akan dirilis ke Saldo Tersedia ketika pendanaannya sudah dilunasi. Sehingga pendana bisa melakukan Penarikan Dana (ketika pendanaan tersebut sudah dilunasi), efektif mulai tanggal 18 Juni 2021.
  • 4. Seluruh Pendana disarankan untuk melakukan Penarikan Dana. Bagi Pendana yang menggunakan rekening BCA atau BNI, maka Penarikan Dana tidak dikenakan biaya alias gratis (biaya normal Rp 10.000). Untuk pengguna bank lain, akan dikenakan biaya transfer antarbank sebesar Rp 6.500. Penyesuaian biaya Penarikan Dana ini berlaku mulai tanggal 17 Juni 2021.
  • 5. Waktu pencairan Penarikan Dana tetap sesuai jadwal, yaitu Senin, Rabu, dan Jumat, sesuai ketentuan yang berlaku.
  • 6. Jika mengalami masalah atau jika ada pertanyaan selama masa transisi ini, jangan sungkan untuk menghubungi Customer Service (CS) atau Financial Advisor (FA) Danain melalui live chat atau Whatsapp di nomor 0811188291 (CS) atau 08118481404 (FA). Untuk meningkatkan pelayanan, jam kerja CS dan FA akan lebih panjang hingga pukul 22.00 WIB.

Berdasarkan email tersebut, sudah jelas bahwa tidak ada hal yang perlu dikhawatirkan. Banyak yang sudah melakukan penarikan dana semenjak email tersebut dan tidak pernah ada yang berkendala sampai sekarang.

Tulisan ini bukan press release titipan Danain, bukan juga content placement bayaran dari Danain. Ini murni merupakan analisa dan kekecewaan saya terhadap keputusan OJK selaku regulator.

Analisa Saya

Tidak ada aturan yang dilanggar danain

Tidak ada satupun POJK yang dilarang oleh Danain. Justru tidak ada aturan OJK yang mengatur model bisnis seperti Danain (hybrid pegadaian-p2p). Memang ada kerumitan tersendiri karena Danain ada di teritori antar dua grup OJK yang berbeda, yaitu pengawas pegadaian dan pengawas p2p lending. Dan karena OJK sebagai regulator cukup kaku, wajar saja malah Danain yang diminta merubah model bisnisnya.

Danain tidak melanggar aturan OJK tentang pelarangan jaminan, karena Danain menggunakan emas sebagai agunan/kolateral. Agunan/kolateral sah-sah saja ada di P2P lending, namun umumnya digunakan untuk pinjaman produktif. Tidak ada pinjaman konsumtif yang memakai kolateral seperti Danain.

Itikad Baik Danain

Danain mengorbankan banyak hal hanya demi comply dengan OJK. Pengorbanan finansial Danain antara lain:

  • menggratiskan biaya penarikan untuk bank BCA dan BNI
  • Membatalkan komitmen dana untuk lender yang tergabung di program mereka, tanpa denda sama sekali
  • Tetap mencairkan bonus untuk partisipan program komitmen meskipun programnya dibatalkan
  • Secara gamblang menyuruh lender untuk withdrawal agar tidak kehilangan opportunity cost

Semua tersebut adalah itikad baik yang dikomunikasikan secara terbuka, dan tidak ada yang merugikan lender sama sekali. Bila anda masih curiga bahwa Danain itu illegal atau berhenti karena niat menipu, maka mungkin anda punya masalah dengan trust issue atau rasionalisme.

Ketimbang khawatir soal dana lender, saya malah cukup khawatir dengan karyawan Danain yang mungkin diberhentikan karena berkurangnya kebutuhan tenaga kerja selama Danain membaharui produk mereka. Kendati demikian, Danain menginformasikan saya bahwa setiap karyawan akan dialihkan untuk membantu kegiatan usaha grup GadaiMas yang lainnya.

Grup Danain terlalu besar untuk tumbang.

Saya mendapat bocoran dari seorang VIP lender bahwa disbursement dari grup GadaiMas jauh melebihi pegadaian negara secara keseluruhan. Dengan ekosistem sebesar itu, perhentian sementara Danain tidak akan mengganggu grup GadaiMas sama sekali. Seperti yang sudah saya katakan: dana lender tidak penting, yang penting borrower jalan terus.

Saya hanya berharap bahwa teguran OJK ini murni karena masalah regulasi, tidak ada motif politis atau persaingan karena fakta disbursement tersebut.

Perlu diingat bahwa grup GadaiMas sudah ada dan tumbuh pesat bahkan sebelum Danain ada. Dengan kata lain, Danain hanya merupakan ekstensi bisnis terbaru Danain untuk menggalang dana lender receh/ritel. Sebelum ada Danain, sudah ada funding yang cukup besar untuk menjalani kegiatan usaha pegadaian mereka.

Masa Depan Danain

Masih cerah bagaian emas. Danain sudah menggodok produk baru yang tidak akan terbentur regulasi OJK, dengan retur yang lebih tinggi, dan sistem kolateral yang membuatnya tetap berisiko paling rendah diantara p2p lending lainnya. Danain bahkan melibatkan saya untuk menggodok produk baru ini agar mudah diterima sebagai ‘pengganti produk lama’ yang sudah dicintai golongan lender tertentu yang tidak memiliki toleransi risiko sama sekali.

Kesimpulan

Silakan tarik seluruh dana anda dari Danain sekarang juga, namun bukan karena Danain bermasalah – Dana anda saat ini lebih baik dialihkan ke p2p lain yang masih berjalan agar tidak kehilangan opportunity cost.

Saya pun melakukan demikian, namun 3 bulan lagi ketika Danain sudah kembali berjalan, jelas saya akan mengembalikan porsi alokasi saya ke Danain. Terserah anda mau ikut kembali atau tidak. Kita lihat saja nanti produk baru Danain cukup menarik atau tidak.

Adrian Siaril
Adrian Siaril

The boss

Articles: 588

291 Comments

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  1. Sy dulu mau gabung batal pertimbangannya bunganya dihitung2 koq rendah.. pengalaman mas rata2 bunga yg didapat perbulannya berapa%?

    • Anually sih 11 persen, tapi itu bukan effective return per bulan ya. Berarti sekitar 0.9 sd 1 persenan deh per bulan.

      Cara meningkatkan effective return nya itu dengan memilih pendanaan sekecil mungkin jadi dapat quantity pinjamannya banyak, dengan harapan banyak yang pelunasannya dipercepat

  2. Sempat kaget sih melihat email dari DANAIN tapi sempat lihat sekilas video di YouTube-nya dan saya merasa tetap bisa jadi salah satu portfolio. Kebetulan tidak ada pendanaan di premium jadi tinggal nunggu yang “jatuh tempo” saja. Ditunggu nih hasil godokan produk barunya bareng Danain

  3. Sebagai lender aktif danain, saya lihat ini kaya ada unsur ketidak sukaan dari pihak kompetitor dari pergadaian gede ya.Agak aneh kalau dari awal model bisnisnya udah salah bisa terdaftar ( kecuali skrg dicari2 kesalahannya, karena pergantian pengurusan OJK yang sekarang).

    Dan kok kayanya OJK terkesah sadis bgt ya lsg menyuruh stop, tohk tidak ada unsur akan merugikan borrower dan lender dengan skema ini.Harusnya OJK memberikan jalan dua-duanya nya dulu selagi buat produk baru dari danain akan di develope skema lama tetap berjalan tohk ngg ada potensi merugikan baik itu borrower / lender, Itu jauh lebih bijaksana.
    Apa kabar itu p2p yang sering resecheduling tanpa pemberitahuan kelender uang ngga jelas kapan malah baik2 aja, padahal complain nya kenceng disosmed ngga pernah tuh ditindak lanjutin sama OJK .Ini kaya ada tekanan besar ke OJK buat sesegera mungkin danain tidak boleh kerjasama dengan mitranya…

    But anyway saya tetep salut sih sama danain bisa open kelendernya dan benar2 bisa jaga kepercayaan kita.

    • Setuju banget bu Melly, saya juga curiga ini ada unsur politis dan persaingan sih. Tapi memang regulator kita itu godok aturan padahal ga paham permainan di lapangan karena mereka sendiri ga pernah ngerasain jadi lender. Jadi ya yang bermasalah dibiarin, yang ga bermasalah dicari cari kesalahannya

  4. Another bull shit thing from ojk.
    Ga cuma sekali ini ojk mgerugiin banyak orang. Jaminan ada, dana lancar, dan ga ada protes dr masyarakat. Saya componding lumayan gede buat 5 tahun kedepan didanain. Lancar2 aja

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